Standard Plan, Custom Plan, and Bank Compliance Bundle subscribers’ renewal invoices are due by Dec. 31 to maintain access to the Online Course Learning Management System. If you have not paid and are concerned a check payment will not arrive in time, you can pay online. Visit www.icba.org, log into your account (Member Login button in upper right), click on your name, scroll down to the open invoices, and pay. You may also call us at 800-422-7285 and we can take payment via credit card over the phone.

With a new Congress and administration descending on Washington, now is the time for policymakers to act decisively to free the government-sponsored enterprises, or GSEs, from government control to support the nation’s housing sector.

While we in the financial services sector start thinking about monetary policy in the coming year, there’s a new wrinkle to consider. Many Fed-watchers, rate prognosticators, economists and even investors had been betting on substantially lower rates in 2025 for many months.